Seasonal Hospitality
Case Overview
Reason: Additional Funds
Funding Amount: $100,000
Approval: $165,000
Industry: Hospitality
Use of Funds: Working Capital
Program Type: Working Capital
The Story
Erik Anderson walks us through a recently funded deal for a country club in Arizona that had seasonal cash flow and would not have been approved by a bank due to the inconsistent revenue flow.
He walks us through the reasoning behind banks deciding not to fund seasonal businesses, and how he got the business the funds through a creative solution.
The Details
The Client
Country club located in Arizona.
Business has seasonal revenue (high during certain months, low during others) due to Arizona being a Snowbird state.
Considered high risk and inconsistent by traditional banks and most lenders.
The Situation
Needed $200,000 in funding for a program.
Was denied by banks due to seasonal and inconsistent cash flow.
Required funding on a tight timeline that traditional lenders couldn’t accommodate.
The Solution
Conducted an initial consulting session to understand the client’s needs and challenges.
Used 12 months of bank statements to present a full financial picture.
Structured two side-by-side funding programs:
$175,000 from an external lender.
$25,000 funded internally by Capital Infusion.
Delivered the full $200,000 the client needed — showcasing:
Creativity and flexibility.
Strong lender relationships.
High level of client trust.
The client was elated, having previously been unable to secure funding elsewhere.
Built a long-term relationship, with the client staying engaged and expressing strong appreciation.